Retire with $10k p.m. S$1M portfolio?


With local banks and reits dividend, one may even achieve $10k p.m. with $1M stock portfolio.

Grok AI reply:

YES — with a total-return approach (dividends + modest capital growth + controlled principal drawdown).

Pure “live only on dividends forever without touching capital” at a sustainable 12% yield on S$1M is not realistic, to achieve $120k p.a. or $10k p.m.

The workable path is the

classic retirement total-return model: collect the natural yield and systematically withdraw a portion of principal.


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